Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your locations
If your pet is desexed.
"Pet insurance is very expensive (I'm paying $152.07/month for my 2-year-old French bulldog) but there are always special offers so it's worth comparing your options every year or so. When I signed up there was a discount for the first year, so I was paying $118.60/month, but it has since gone up and it was time to compare my options. I like how there is no excess with RSPCA, which is one of the most important things I compared in my research. The "economy cover" doesn't cover everything so it's important to check the fine print and make sure you're comfortable with what it does and does not include. For example, I didn't realise it didn't include desexing and I was out of pocket for this procedure."
Routine care is an optional benefit with RSPCA. This means you need to pay extra for it if you want it included. It can help pay the costs of the following:
Desexing
Microchipping
Heartworm control
Teeth cleaning
Vaccinations
Health checks
Flee/tick/worm control
Training
RSPCA frequently asked questions
Under Ultimate Accident & Illness Cover and Ultimate Plus Accident & Illness Cover, 80% of your eligible vet bills will be covered. This figure drops to 75% under Economy Accident & Illness Cover. 60% of your eligible vet bills are covered for General Accident & Illness Cover.
If you'd like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. This includes:
$15 a year for heartworm test or blood screen
FeLV/FIV test or urinalysis – $15 a year
a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.
No, there is $0 excess you will have to pay when making a claim. However, you should be aware that each claim will pay up to the maximum percentage for each eligible vet bill.
There is no waiting period for injuries, a 30-day waiting period for all illnesses and a 6-month waiting period for cruciate ligament conditions.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 681 Finder guides across topics including:
Getting your super paid more regularly and on time will make a difference to your retirement. But you should look at your fund's fees and performance too.
How much is it for my dogs to get their teeth cleaned. Is it covered with this policy and what is the outlay for me. Thank you
JoelNovember 10, 2018
Hi Shelly,
Thanks for leaving a question on finder.
If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:
– $15 a year for heartworm test or blood screen
– FeLV/FIV test or urinalysis – $15 a year
– a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.
Please send me a message if you need anything else. :)
Cheers,
Joel
RobertJuly 30, 2017
I have economy RSPCA cover, does it cover prescription medication? It pays 75% accident illness.
Finder
RenchJuly 31, 2017Finder
Hi Robert,
Thanks for reaching out to us. Please note that we are not affiliated with RSPCA Pet Insurance or any company we feature on our site and so we can only offer you general advice.
Yes, all plans with RSPCA Pet Insurance cover medicine and drugs. The only exclusion are medications that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).
Cheers,
Rench
debbielgSeptember 18, 2016
Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?
Thanks
Debbie
Finder
RichardSeptember 20, 2016Finder
Hi Debbie,
Thanks for your question. Finder is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.
If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.
All the best,
Richard
paulAugust 6, 2016
i got a small dog call king charles but has anal gland want best insurance
Finder
RichardAugust 9, 2016Finder
Hi Paul,
Thanks for getting in touch. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.
All the best,
Richard
BillJuly 7, 2016
Do the premiums increase with each year as/because the dog ages?
How long does it take for reimbursement?
Cheers Bill
Finder
RichardJuly 8, 2016Finder
Hi Bill,
Thanks for your question.
Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance’s policy disclosure statement (PDS).
I hope this was helpful,
Richard
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How much is it for my dogs to get their teeth cleaned. Is it covered with this policy and what is the outlay for me. Thank you
Hi Shelly,
Thanks for leaving a question on finder.
If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:
– $15 a year for heartworm test or blood screen
– FeLV/FIV test or urinalysis – $15 a year
– a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.
Please send me a message if you need anything else. :)
Cheers,
Joel
I have economy RSPCA cover, does it cover prescription medication? It pays 75% accident illness.
Hi Robert,
Thanks for reaching out to us. Please note that we are not affiliated with RSPCA Pet Insurance or any company we feature on our site and so we can only offer you general advice.
Yes, all plans with RSPCA Pet Insurance cover medicine and drugs. The only exclusion are medications that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).
Cheers,
Rench
Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?
Thanks
Debbie
Hi Debbie,
Thanks for your question. Finder is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.
If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.
All the best,
Richard
i got a small dog call king charles but has anal gland want best insurance
Hi Paul,
Thanks for getting in touch. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.
All the best,
Richard
Do the premiums increase with each year as/because the dog ages?
How long does it take for reimbursement?
Cheers Bill
Hi Bill,
Thanks for your question.
Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance’s policy disclosure statement (PDS).
I hope this was helpful,
Richard